I have noticed a trend since I first joined Saving Advice last October. At that time I was not saving any money at all and it seemed like I was barely able to pay our bills at the time. It seemed that we were losing the battle of treading water and were beginning to go under.
Since I have joined, our bills have not really changed much, but I took to heart the advice of "paying yourself first". I started setting aside $5 a week out of DH's paycheck. Over the months that has grown to $25 a week for an upcoming vacation/birthday trip, $20 a week for an emergency fund, and $50 a month for the Ameritrade Save Yourself plan.
Where did I find that money? I have no clue! I just decided that it needed done and started doing it. I seldom miss a week now that I don't set aside money in all the savings areas.
I have also found that the easiest money to save is the account that I have set up to be transferred automatically from our checking account each Friday. If money is tight one week I am liable to not put the Emergency Fund amount aside because it's not already scheduled. But the payment that is scheduled is made each time. It's just easier to sacrifice money in one of my less important budget categories than it is to change the automatic transfer.
My advice: pay yourself first. It really does work!